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USING CREDIT WISELY
Article 1 - Part 3
Provided by Aquila Business Services, LLC
Credit Industry Response
As our nation's economy expanded, especially in the "boom" years following World War II, the credit industry offered a wider range of credit, which allowed American to take advantage of the country's abundance. The increase availability of mortgage credit made it possible for more people to live in their homes while they paid for them over a long period of time. Installment plans made it possible for people to furnish their homes and buy labor saving appliances. Credit Cards allowed people to buy even more goods and services on credit.
Consumer Credit Today
Consumer credit today is a part of everyday life. Credit allows us to spread payments for necessities over time - cars, education, homes and home furnishings. It allows us to buy some of the luxuries that enhance our quality of life - things that we could not otherwise afford without saving for a long time. During difficult times, credit can also be used to pay expenses resulting from medial and other expenses.
Consumer Credit and You
Even though it can used for many valid purposes, credit should not be looked at as extra money or as a bonus. Anytime you borrow money, even if you are required to pay only a small amount each month, you will eventually have to repay the debt from future earnings.
Learning early in your earning and borrowing years how to manage credit wisely is an important part of building a sound financial base. Using credit wisely includes knowing the type of credit is best for you in each buying situation and how to avoid overextending yourself, as well as knowing how to build and protect a good credit history. By establishing and maintaining good credit throughout your life, you can count on credit to help you get the products and services you need.
Stay tuned for updates on this article!
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MONEY DOES NOT COME WITH INSTRUCTIONS. UNTIL NOW!
We are announcing our new program to educate and allow small business owners access to the information required to get unsecured business lines of credit on their own.
We have broken down our program into easy understand, follow, and implement reports. These reports are step by step and we are constantly updating and upgrading the information. The reports are also provided in order of importance.
DIY Unsecured Business Line of Credit Reports and Programs
- Unveiling the "Secrets of the Underwriters" -
Only $17.00!
Main report and should be the only report that you need!
Stated, Streamlined, and Fully Documented unsecured business line of credit guide.
Now for a limited time includes additional reports:
Lender Listing
We are providing an abbreviated report of our Lender Listing and Guides. This report briefly details the lenders programs and has hyperlinks to the lender branch locators.
Guide to the Government Records
Direct links to Secretary of State and UCC search websites of all states
Listing of 2007 NACIS Codes
Reference of NACIS codes to aid in completing the lender's application
- Listing of "Stated" and Streamlined" Line of Credit Lenders
Includes application information template for stated and streamlined program lender applications
- DIY Business Line of Credit Supportive Information and Excel Worksheet
A group of reports that will save you time and money spent in search of government records and financial calculations.
Guide to the Government Records
Direct links to Secretary of State and UCC search websites of all states
Listing of 2007 NACIS Codes
Reference of NACIS codes to aid in completing the lender's application
DIY Business Line of Credit Worksheet for Stated Programs
Microsoft Excel file that helps you calculate your personal DTI and revolving debt ratios.
- Assisted Program with Coaching and Assistance with Unsecured Business Lines of Credit
If you are truly in a bind for time we can be a great help. Includes Stated, Streamlined and Fully Documented programs
- Secrets of the Credit Industry
Legal strategies that credit bureaus, creditors, and debt collectors do not want you to know!
These reports are for you the borrower and not for brokers or consultants to resell it to you.
DO YOU HAVE GOOD CREDIT?
Then why not transfer your high rate card balances to a low rate card of 5.9%?.
96% SUCCESS RATE
Our research shows that approximately 96% of applicants are able to receive their major bank credit cards in a matter of weeks. Our comprehensive lists of nationwide banks can approve you, even though you may have been turned down for a credit card in the past. A savings account (for collateral) may be needed, depending on the requirements of the different banks. Normally, history of credit card fraud is the only reason someone may be turned down.
YOU CAN STILL QUALIFY
You can learn how and where you can get all the credit you want! This exclusive manual called, Credit Solutions, will show you how and where to obtain the credit you deserve. There is a solution for people seeking a major bank credit card, even if they have been turned down by other banks! You can qualify even if you have, - no credit history - previous or current credit problems - a low income - a new job - judgments and liens - had a divorce - age (you must be at least 18 years old) -regardless of residence - filed bankruptcy.
You will be eligible for a credit limit up to $10,000. Find out in advance if you qualify by answering these two simple questions.
1. Do you currently have some source of income of at least
$95.00 a week?
2. Are you at least 18 years old?
By answering yes to the above questions, you may certainly
qualify to receive your very own VISA or MasterCard, even if
you are a student (enrolled in college), have bad credit, had a
bankruptcy, divorce, or have no credit at all.
YOU WILL DISCOVER
1. How and where to get a free credit report (and why you should do it).
2. How and where to obtain pre-approved instant credit.
3. How and where to obtain VISA/MC with no security deposit.
4. How to repair your own credit. (Don't pay others $300-$700).
5. Where to obtain the lowest interest rate credit cards.
6. Who offers credit cards with no annual fee.
7. Where to obtain a VISA/MasterCard, that offers one free bonus mile for every dollar you charge.
8. Secrets in helping you get approved for your card.
9. How and where to consolidate your debts to one lower payment.
10. A simple plan to build up your own credit rating.
11. The best way to receive multiple cards (10 or more).
12. Where to apply for government assisted microloans for business start-ups.
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